you live. i want to go through a low-cost is city, des moines, iowa, indianapolis. if you have $100,000 a year to live on in those cities, you're considered rich so what does it take to $100,000 a year and not have to work? well, if you want to retire at 35, wouldn't that be nice, you're going to need $4 million. but if you can wait it out until you're 65, $2 million. but ali, speaking to you from new york city where you used to live, you know how expensive it is and unless you're a new yorker or someone who lives in l.a. or san francisco, what the experts say is you're going to need about $300,000 a year to live on to become comfortable. what does that mean? it means the ability to pay your taxes, a $3,800 a month apartment, pretty pricey, and $12,000 a month to live on, and the way you get that, ali, is by saving up $12 million by the time you are 35, which we know you have done, ali, even though you're not 35 yet, and then you can live on that. that's rich here in new york. >> now, so the issue here, of course -- it all comes back to politics and what we're talking about. because